Which card has a lower forex fee: Axis Bank My Zone Credit Card or HDFC Millennia Credit Card?

Both cards have the same forex markup (3.5%).

Which card has a lower annual fee: Axis Bank My Zone Credit Card or HDFC Millennia Credit Card?

Axis Bank My Zone Credit Card has a lower annual fee (₹500 vs ₹1,000).

Which card offers better lounge access?

Axis Bank My Zone Credit Card: 1 per quarter domestic lounge. HDFC Millennia Credit Card: 1 per quarter domestic lounge.

Which card has a higher base reward rate?

Axis Bank My Zone Credit Card has higher base reward value (~0.4% vs ~0.3%).

Pairwise comparison Compare 3+ cards →

Axis Bank My Zone vs HDFC Bank Millennia Credit Cards – Fees, Lounge, Forex

Side-by-side comparison of the Axis Bank My Zone and the HDFC Bank Millennia. Verify fees, lounge access, forex markup, and base rewards before you apply.

Quick comparison

Three core metrics

My Zone Axis Bank

Annual fee ₹500
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹50,000 spend in the previous 3 calendar months

Millennia HDFC Bank

Annual fee ₹1,000 Waivable at ₹1,00,000 spend
Forex markup 3.5%
Domestic lounge 1/quarter Conditional · Domestic: 1/quarter · requires ₹1,00,000 spend in the previous calendar quarter

Reward earning explained

Per card

My Zone

2 pts / ₹100 on General spend (4 EDGE REWARD points per ₹200 (= 2/₹100). Exclud…

Millennia

5% on Amazon (domestic) (CashBack valid only for non-emi spends) + 5% on BookMy…

Pick based on what matters

2 dimensions

Start with the constraint you care about most: annual fee (Axis Bank My Zone: ₹500 vs HDFC Bank Millennia: ₹1,000), forex markup (3.5% vs 3.5%), or lounge access (1/quarter vs 1/quarter).

Forex markup Tie

Both cards are similar for forex

Forex markup is 3.5%.
Lounge access Tie

Both cards are similar for lounge access

Domestic lounge access is 1 per quarter.

Verify with issuer

All fields

Standard view

Example usage at this monthly spend

At ₹50k/month spend:

Millennia: ~₹500/month at base rate
My Zone: ~₹200/month at base rate

Illustrative only, using current base rates before caps.

Swipe for all fields

Field	My Zone Axis Bank	Millennia HDFC Bank
Lounge Access
Domestic lounge visits	1/quarter	1/quarter
Forex / International Use
Forex markup	3.5%	3.5%
Fees
Annual fee ₹500 vs ₹1,000	₹500	₹1,000
Joining fee ₹500 vs ₹1,000	₹500	₹1,000
Fee waiver spend Only available for Millennia	Not specified	₹1,00,000
Rewards
Points per ₹100 2 pts vs 1%	2 pts	1%
Point value (headline channel) Issuer headline redemption rate — see each card page for the full channel grid. ₹0.2 vs ₹0.3	₹0.2	₹0.3
Point validity Only available for Millennia	Not specified	2 years

Notes

Card benefits change frequently. Always verify current terms on the issuer's official website or app before applying.